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Dollar BPI-Philam Max Yield 1 - is this a good investment?

dudefullness33 · 6 · 6088

dudefullness33

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Hi, I am new to this site and I am also new to investment. I've been reading through the post for the past 2 weeks and i finally decided to become a member so I can receive expert advice from all of you.

My BPI brach here at the fort is offering me this product. The branch manager said that this is only offered until end of this month. Bascially, minimum cash out for this is $5,000, and is locked for 8 years. This will be invested in combination of Bonds and Equities. She was saying that my 5000 can get upto 9000 dollars on maturity (year 2019). The idea is, no matter where the entry point is, i will always get the highest value ever reached. So regardless of the market being down during the dated maturity, I will still get the higest / peak value that I my investement got during its tenure (from 2011-2019). Any advice? I only got until before New Year's deay to decide. Thanks a lot and more power to this site.


Dodong_Pobre

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Hmmm.. they're saying that the time is limited but actually it was already an old product they're offering.. I remember one colleague who went for vacation sa Pinas last 2009 and nai-offer narin sa kanya yan ng BPI...

Do you have any details about this product? It's better to know the complete information/details than relying only to what the manager is telling you..Ask for the complete terms and conditions and read it carefully....
« Last Edit: Dec 20, 2010, 03:46 PM by Dodong_Pobre »


dudefullness33

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hi dong, thanks. Acutally, they wanted me to meet with the agent from philam to discuss with me the full details / terms, but I would also like to do my own research first before I set a schedule with them. Anyway, do you have a feedback from your colleague who were offered? Did he/she went on to invest on this?


Dodong_Pobre

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Hindi siya tumuloy.. Anyway meron na previous thread about this and you can read details there to have some information.. Mukhang hindi nga nabanggit sayo ng manager na NOT ALL of your money will be invested and earn but part of it will be put to INSURANCE... So ung sinasabi na "This will be invested in combination of Bonds and Equities" will only apply on a specific part of your premium... Not sure of the percentage better clarify this to your agent...  Tanong mo kung saang stocks nila invest yong pera ska sino ang magtatayong asset managers....

Visit mo tong link na to : http://www.pinoymoneytalk.com/forum/index.php?topic=26541.0
« Last Edit: Dec 20, 2010, 04:28 PM by Dodong_Pobre »


dudefullness33

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Thanks Sir Dong. I am now reading through the old thread you posted...


raphael715

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